The loan that they will take out will benefit these small business owners such as the member Martha. She points out that this is the fourth loan cycle that she is a part of with Pro Mujer. She joined by an invitation from her neighbor who is a member of the institution. Currently, she has a small business of sewing traditional Andean skirts. She tells us that she learned this trade from a previous job that she had in her sister-in-law's workshop. Afterwards, she decided to open up her own work space.
The loan that she will presently take out is to increase capital. She will buy fabric from fairs in the city of La Paz, and then she will sells what she makes with it by order. This form of employment allows her to generate resources to maintain her home the best way possible since she is a widow and has three children.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Martha es integrante, ella indica que hace cuatro ciclos que integra Pro Mujer, ingresando por invitación de su vecina que es socia de la institución. En la actualidad ella tiene un negocio de costura de polleras; da a conocer que este negocio lo aprendió de un trabajo anterior que tuvo en el taller de su cuñada, posteriormente decide abrir su propio espacio de trabajo.
El crédito que ahora sacará es para el aumento de capital (compra de tela.) que adquirirá de las ferias de la ciudad de La Paz y posteriormente a la elaboración lo comercializará a pedido. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es viuda y tiene tres hijos.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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